To help clarify the meaning of various terms found on an automobile policy, we've created "plain English" definitions below. You also can reference our online glossary for more information.

Physical Damage
This auto insurance term indicates coverage for physical damage to a vehicle. Physical damage coverage includes both "collision" and "comprehensive" coverage.

Collision coverage responds if you hit something with your car or if your car is overturned.

Comprehensive coverage, also known as "other than collision," generally responds when something other than collision causes physical damage to a vehicle. For example, comprehensive coverage would respond if your vehicle is damaged due to fire, hail, a tree falling, vandalism, a rock hitting your windshield or if your car is stolen.

Vehicle Liability
This term refers to coverage for liabilities that arise from motor vehicle accidents. It typically protects an insured person while operating his or her own car or someone else's with permission. This coverage is intended to pay a third party for damages, either bodily injury or property damage (such as damage to the other party's car or other tangible property), caused by the insured driver.

Uninsured/Underinsured Motorist Coverage (UM/UIM)*
Generally, this coverage applies to the insured driver when he or she is involved in an collision with a motorist who has no vehicle liability coverage or who has insufficient liability coverage to pay for the injuries or property damage caused.

No-Fault/PIP/Medical Payments Coverage*
"No-fault" insurance pays for some types of expenses that arise from bodily injury for certain losses without regard to legal liability or fault. Depending on the state, no-fault coverage may help the insured pay for things such as medical treatment or funeral expenses.

A number of states require drivers to maintain no-fault automobile insurance to cover bodily injury resulting from automobile accidents. Some states refer to this as personal injury protection (PIP).

Remember that your insurance agent or broker is your best source of guidance and information for insurance related questions and needs. If you would like more information about Chubb's automobile coverage or would like to receive a quote, contact a Chubb agent or broker today.